June Marcia Williams

Your Insurance Agent in Palm Harbor, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Palm Harbor, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Palm Harbor, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for Palm Harbor, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — key person, buy-sell, and executive coverage for businesses, no pressure, same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent

❤️

3K+ Satisfied Clients

⭐

5-Star Service Rating

🛡️ NPN Verified

🏛️ 5-State Licensed

🏆 10+ Yrs Exp.

Right here · Palm Harbor, FL

Palm Harbor, FL — Your Local Producer

Hello Palm Harbor! I love the unique character of our Pinellas County communities, and I'm proud to serve my neighbors here. My name is June Marcia Williams, and I'm a licensed insurance producer (NPN: 17209549, Florida License No: W840529) dedicated to helping local families find the right protection. Navigating insurance can be complex, so I focus on providing clear, personal guidance on options like Term Life, Whole Life, Final Expense, and other policies. My goal is to help you understand your choices and secure a plan that brings you peace of mind.

Wall Springs Park
U.S. Highway 19 N
Palm Harbor University High School

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Palm Harbor

806 on public record · Florida DFS · Fla. Stat. §119.01

Aaliyah Tati Tejada

Life Including Variable Annuity & Health

NPN 20792169 Licensed 2023

Aaron Hunter

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 20592178 Licensed 2023

Aaron James Kunkel

Life Including Variable Annuity & Health

NPN 19685916 Licensed 2020

Abigail Grace Frye

Life Including Variable Annuity & Health

NPN 20978381 Licensed 2023

Adam D Laroche

Life Including Variable Annuity & Health

NPN 21062771 Licensed 2024

Adam Michael Abelson

Life Including Variable Annuity & Health

NPN 18233303 Licensed 2016

Adam P Kulig

Life Including Variable Annuity & Health

NPN 7326062 Licensed 2014

Adolphe Demesyeux

Life Including Variable Annuity & Health

NPN 19483142 Licensed 2026

Adrien Steiger

Life Including Variable Annuity & Health

NPN 22161325 Licensed 2026

Ahiskell J Delgado

Life Including Variable Annuity & Health

NPN 17567186 Licensed 2015

Alan A Everton

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 501926 Licensed 1980

Alan R Edwards

Life Including Variable Annuity & Health

NPN 16601848 Licensed 2012

Aleah Arbuthnot

Life Including Variable Annuity & Health

NPN 20991346 Licensed 2023

Aleece Jean Quiroz

Life Including Variable Annuity & Health

NPN 19983648 Licensed 2021

Aleka H Oswald

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 17113820 Licensed 2025

Alex Muscati

Life Including Variable Annuity & Health

NPN 621721 Licensed 1994

Alexander Garoff

Life Including Variable Annuity & Health

NPN 6622372 Licensed 2019

Alexandra Marie Love

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 20491361 Licensed 2023

Alfred Lawrence Costanzo

Life Including Variable Annuity & Health

NPN 19041168 Licensed 2019

Alison Lucero

Life Including Variable Annuity & Health

NPN 20401205 Licensed 2022

Allen Michael Zaragoza

Life Including Variable Annuity & Health

NPN 20827944 Licensed 2023

Allison E Turner

Life Including Variable Annuity & Health

NPN 1590756 Licensed 1998

Allison Leigh Fox

Life Including Variable Annuity & Health

NPN 21010895 Licensed 2023

Alvin Xavier Pinero

Life Including Variable Annuity & Health

NPN 22085505 Licensed 2025

View all 806 licensed business life producers in Palm Harbor →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Business Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Business Life Insurance across the Palm Harbor regional market. Rates are localized using regional health baselines.

Official Palm Harbor Resources

County Pinellas County

Population ~61,589

Lack of insurance (18–64) 9.1%

FIPS code 1254350

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

Let June shop the market for your localized Palm Harbor rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

Photos by Mary Fran Warthen , Mindolluin via Google Maps

View on Google Maps

Palm Harbor

Palm Harbor, FL, USA

About Your Agent

Why Choose June?

A-Rated Security

Backed exclusively by top-tier, vertically integrated carrier capacity.

Rapid Underwriting

Algorithmic rate classifications drop processing times down to seconds.

Direct Pricing

Zero intermediary markup structures ensuring wholesale underwriting parity.

Digital Portals

Instant localized digital enrollment without offline processing roadblocks.

Read the full Business Life Guide →

Select your coverage below to see your price in seconds.

Get a Business Protection Assessment

Protect your company's financial future — no obligation — customized corporate coverage

What do you need to protect?

👤 Key Person

🤝 Buy-Sell Agreement

🏦 Business Loan

Age of the person being insured

Under 30

30-39

40-49

50-59

Annual revenue or key person income

$50K-$100K

$100K-$200K

$200K-$500K

$500K-$1M

$1M-$2M

$2M+

Number of partners/owners

Solo

✅

Your business assessment is ready!

Based on your revenue and structure, June will calculate the exact coverage amount for key person protection, buy-sell funding, or loan collateral. Enter your contact info to receive your recommendation.

Your Name

Phone Number

Business Name

Email Address

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure · Never shared · June responds within 30 min

✅

Consultation Request Sent!

June will call you within 30 minutes during business hours.

Or call now: (908) 339-7723

Want live updates on your quote? Tap to let June text your phone directly — rates, approvals, appointments.

Prefer to talk? Ask Lia — June's AI assistant: (908) 648-8689

Compare Plans

Business Life Options

Most Common

Key Person

Protect against losing a vital employee

5-10× key person's income
Covers revenue loss during replacement
Recruitment & training costs
Business debt obligations
Term or permanent options

Get Quote

Buy-Sell Agreement

Fund partner/owner transitions

% ownership × company value
Cross-purchase or entity plan
Prevents forced liquidation
Ensures fair market buyout
All partners covered equally

Get Quote

Business Loan

Collateral assignment for lenders

Coverage = outstanding principal
Lender named as collateral assignee
SBA loan requirement satisfied
Decreasing or level term
Protects personal guarantors

Get Quote

📖 Business Life Knowledge

Everything You Need to Know About Business Life Insurance

💼

What Is Key Person Insurance?

Key person insurance protects your business against the financial impact of losing a critical employee — a founder, top salesperson, or essential manager. Coverage is typically 5-10× the key person's annual income plus bonuses. The business owns the policy, pays the premiums, and receives the death benefit to cover lost revenue, recruitment, and transition costs.

🤝

Buy-Sell Agreements Explained

A buy-sell agreement is a legally binding contract that determines what happens to a partner's ownership share when they die. Life insurance funds the buyout — surviving partners receive cash to purchase the deceased's share at fair market value. Without it, heirs could become unwanted business partners or force a liquidation. Cross-purchase (partners own each other's policies) or entity purchase (business owns all policies) structures available.

🏦

Business Loan Protection

Many lenders — especially SBA loans — require life insurance on the guarantor or key principal. Coverage equals the outstanding loan balance, with the lender named as collateral assignee. If the borrower dies, the policy pays off the loan. This protects both the business and the personal assets of any guarantors. Decreasing term aligns coverage with the declining loan balance.

📊

How Much Coverage Do You Need?

Key Person: 5-10× income based on age (higher multiplier for younger, harder-to-replace talent). Buy-Sell: Ownership percentage × company valuation. Business Loan: Outstanding principal balance. For businesses with multiple needs, June structures layered coverage — term for short-term obligations, permanent for long-term succession planning.

🏢

Tax Implications

Key person premiums are not tax-deductible, but the death benefit is generally received tax-free by the business (subject to alternative minimum tax rules). Buy-sell premiums are also not deductible, but provide tax-efficient ownership transfer. Consult a tax advisor for your specific situation — June coordinates with your CPA to structure coverage correctly.

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Business Insurance Requirements

Florida doesn't mandate business life insurance, but SBA lenders require collateral assignment on loans above certain thresholds. Under federal IRC § 101(j), employers must obtain written notice and consent from insured employees before issuing employer-owned life insurance; IRS Form 8925 is filed annually. All policies include Florida's 14-day free-look period (Fla. Stat. § 627.4554). June ensures all documentation meets regulatory requirements.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated life insurance carriers.

Life Insurance in Palm Harbor

More Insurance Options in Palm Harbor, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🔑 Special Situations 🕊️ Final Expense

Insurance Resources

Know Your Rights in Florida

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

FL Life Insurance Buyer's Guide

Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

Visit floir.gov →.GOV

Verify an Agent's NPN License

Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

Visit nipr.com →.COM

Frequently Asked Questions

Business Life Insurance FAQ

💼

How much key person coverage do I need?

Typically 5-10x the key person's annual income plus bonuses. Factor in recruitment costs, training time, and potential revenue loss during transition. June provides a free needs analysis.

🤝

Do all partners need equal coverage?

Coverage should be proportional to ownership interest. If Partner A owns 60% and Partner B owns 40%, coverage amounts reflect their respective buyout values based on company valuation.

🏦

Does my SBA loan require life insurance?

Most SBA lenders require life insurance on key principals with collateral assignment. The coverage amount typically equals the outstanding loan balance. June helps structure compliant policies.

📊

Term or permanent for business insurance?

Term for time-bound needs (loans, short-term key person). Permanent for long-term succession planning and buy-sell agreements. Many businesses use a combination of both.

💰

Are business life insurance premiums tax-deductible?

Generally no — premiums for key person and buy-sell policies are not deductible. However, death benefits are typically received tax-free. Consult your CPA for your specific situation.

Nearby Business Life Coverage

Read the Full Business Life Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Business Life Insurance in Palm Harbor, FL

Palm Harbor, FL — Your Local Producer

Licensed Business Life Producers in Palm Harbor

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Palm Harbor Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Get a Business Protection Assessment

Consultation Request Sent!

Business Life Options

Key Person

Buy-Sell Agreement

Business Loan

Everything You Need to Know About Business Life Insurance

What Is Key Person Insurance?

Buy-Sell Agreements Explained

Business Loan Protection

How Much Coverage Do You Need?

Tax Implications

Business Insurance Requirements

More Insurance Options in Palm Harbor, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Business Life Insurance FAQ

How much key person coverage do I need?

Do all partners need equal coverage?

Does my SBA loan require life insurance?

Term or permanent for business insurance?

Are business life insurance premiums tax-deductible?

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Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Palm Harbor Resources